When it comes to providing for your retirement too many people are doing too little too late. We provide pension advice and we believe that putting away even a small sum early on can make a big difference to the lifestyle you will enjoy when you retire Pension legislation dramatically changed on the 6th April 2006, to see how this may have affected you, our pension advisers will personally appraise your pension situation. Pension legislation is subject to further change.
Why would I need to review my pension?
In the past there were various types of pension contracts governed by different rules and regulation. Over 50 companies offered different variations of these contracts that varied in cost, investment choice and flexibility. Since April 2006 the pension landscape has changed and your old pension contract may be inferior and outdated.
New pension contracts generally offer: More investment choice More choice for how and when you take your pension A more generous tax-free lump sum More competitively charges.
Pensions are intended as a long term investment. If you withdraw from these investments in the early years you may not get back the full amount invested. These investments may not be suitable for all recipients please contact us for full advice. Past performance is no guarantee of future returns and the value of units can fall as well as rise. Levels and bases of and reliefs from taxation are subject to change. Note: *Free from income capital gains taxes on growth within the fund and proceeds to the investor.